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Thank you thanks guys! All great and helpful replies!! I'm definitely not under the spell of believing "it won't happen to us, we love each other." I was married for 15 years as was he so we both know that things don't work out that way. Hence, why we're trying to figure out the best way to go...

Hi! I'm new to this forum. I live with my boyfriend. He owns the house and he paid it off several years ago. I am not on the deed as I only moved out here two years ago. We have been doing minor renovations to the house- landscaping, appliance upgrades, etc but he's about to take out a loan for...